For you to be entitled to reimbursement for fire damage to your property, the fire does not need to originate from your apartment. The fire can be from anywhere, such as neighbours' cigarette, bush fires, etc. It is also not compulsory for your belongings to be in your home for them to be protected. Thus, if your clothes and laptop are in your car and your car cr catches fire, renters insurance may reimburse you for your clothes and laptop. If a fire should also occur due to another peril such as lightning, it will be covered by renters insurance. But some perils such as earthquakes, flooding, sewer overflows, etc., are usually excluded from renters insurance; you should make sure your policy contains a caveat that if they should result in fire damage, your properties will be covered.